Car Insurance Group Classifications List

Car Insurance Groups Explained: A Comprehensive List

Are you in the market for a new car and want to know what insurance group your vehicle will fall into? It can be a confusing process to navigate and understand all the different car insurance groups. This article will help make sense of it all and provide a comprehensive list of the different car insurance groups.

Car insurance groups are a system developed by the UK insurance industry in order to categorise vehicles into groups. Each group is given a rating of between 1 and 50, with 1 being the lowest and cheapest insurance group and 50 being the highest and most expensive.

Insurance groups are based on the cost of repair and replacement parts, the cost of the car and the likelihood of it being stolen. Generally, the higher the insurance group rating, the more expensive the car is to insure. This is why it is important to understand car insurance groups when you are buying a car.

Car Insurance Group List

Below is a comprehensive list of the car insurance groups in the UK, starting from group 1 and ending with group 50. This list should help you gain an understanding of which car insurance group your vehicle may fall into.

Group 1

Group 1 consists of the cheapest cars to insure, such as the Ford Ka, Nissan Micra, Vauxhall Corsa and Volkswagen Polo. These cars tend to have smaller engines and are usually the least expensive to repair and replace parts. They are also less likely to be stolen, meaning they are the lowest risk and hence the cheapest cars to insure.

Group 2

Group 2 is slightly more expensive than group 1 and includes cars such as the Ford Focus, Vauxhall Astra and Renault Megane. These cars tend to be slightly larger than group 1 vehicles and are slightly more expensive to repair and replace parts. However, they are still considered low risk and are therefore still relatively cheap to insure.

Group 3

Group 3 includes cars such as the Audi A3, BMW 3 Series and Mercedes C Class. These cars are more expensive to repair and replace parts, and are also more likely to be stolen due to their higher value. As a result, they are more expensive to insure than groups 1 and 2.

Group 4

Group 4 is a higher risk group than previous groups and includes cars such as the Audi A4, BMW 5 Series and Mercedes E Class. These cars are more expensive to repair and replace parts, and are also more likely to be stolen due to their higher value. As a result, they are more expensive to insure than groups 1, 2 and 3.

Group 5

Group 5 is the highest risk group, which includes cars such as the Audi A6, BMW 7 Series and Mercedes S Class. These cars are more expensive to repair and replace parts, and are also more likely to be stolen due to their higher value. As a result, they are the most expensive to insure.

Hopefully this comprehensive list of car insurance groups has provided you with an understanding of which insurance group your vehicle may fall into. Remember, the higher the insurance group rating, the more expensive your car is to insure. So be sure to research the car insurance group of any vehicle you are considering buying.